Dream Start Own Podcast - The Path to Own Your Time

EdgartheConnector
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Join us for casual, inspiring conversations with other entrepreneurs, real estate investors, and business owners as they share their journeys from dreams to starting to owning their time. Learn from their challenges, triumphs, and insights as they carve their own paths to success. Whether you're just dreaming or looking to grow your business, this podcast will fuel your ambition and help you take ownership of your time and future.

  1. 3D AGO

    Earn Like a Bank (Without Being One) | Teresa Villaruz on Infinite Banking & Private Lending

    In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with founder, investor, and Thrive Banking strategist Teresa Villaruz to break down how to “earn like a bank” using infinite banking, cash value life insurance, and private lending—without risking your own money. Teresa shares how a stage of invasive breast cancer and $275,000+ in medical bills almost forced her family to sell their real estate…until one phone call from her life insurance agent unlocked living benefits and paid those bills without liquidating a single asset. That wake-up call led her to create the Thrive Movement, teaching entrepreneurs and investors how to use life insurance as their own funding source for deals, businesses, and emergencies. You’ll hear how she now uses policies to fund mid-term rentals, start a boba café, and even turn her 12-year-old daughter into a private money lender earning double-digit returns—by borrowing against the policy and lending at higher rates. Teresa also lays out when this strategy is a bad idea, how to avoid overfunding (MECs), and the exact questions to ask before you ever sign a policy. CHAPTERS00:00 What banks really do with your deposits & Thrive Banking overview02:00 Teresa’s breast cancer diagnosis & $275K in medical bills04:50 Using life insurance living benefits instead of selling assets07:00 Discovering infinite banking & launching the Thrive Movement10:10 Cash value 101: how “be your own bank” actually works13:20 Funding real estate, emergencies & a boba café with policies17:00 How loans work: access, approval & flexible repayment options20:40 Policies for kids & turning a 12-year-old into a private lender24:20 Parents’ fear of life insurance & generational protection28:10 Thrive Banking vs HELOCs and bank credit lines32:00 When this is a bad idea (cars, vacations & lifestyle creep)35:00 Questions to ask your agent & how to structure policies right40:10 Pre-existing conditions, riders & why to get covered early42:40 Using policies to become a private money lender47:00 How much to fund, reverse-engineering goals & avoiding MECs50:40 Annual vs monthly premiums, discipline & access to cash52:50 Vetting deals and borrowers as a PML56:40 First steps: mindset, learning how money works & focus58:30 Where to find Teresa, her podcast & book “Your Money, Your Rules” Connect with Teresa:Instagram: @buildwealthwithtreWebsite: teresavillaruz.comPodcast & book: Your Money, Your Rules Connect with Edgar:Website: edgartheconnector.comInstagram: @EdgarTheConnector Follow Dream Start Own, rate this episode, and share it with someone who wants more control, liquidity, and leverage—so their money finally works as hard as they do. Sleep better, dream bigger!Affiliate link: Eight Sleephttps://refer.eight.sl/edgardsalgado ► Join The Subto Community for Life & Learn Creative Finance from ⁨@PaceMorby⁩https://join.nre.ai/mQ9T9vZ ► Learn How to Make Money on Other People’s Deals with the Gator Methodhttps://join.nre.ai/mQBDJK5 ► Get the tools I use for productivityhttps://linktr.ee/EdgartheConnector 🚧🚧🚧 DISCLAIMER 🚧🚧🚧We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated

    1h 1m

  2. FEB 12

    Is Subto Worth It? Real Members Share Wins, Deals & Community Truth

    In this special episode of the Dream Start Own podcast, Edgar “The Connector” Salgado answers the big question: “Is Subto worth it?” by letting actual Subto, Gator, and Owners Club members share their own stories—how the community helped them close their first creative deals, find accountability partners, and get into rooms they never thought they’d be in. Instead of hype, you’ll hear real clips from past guests talking about subject-to, seller finance, Gator lending, and what’s changed in their lives since joining Pace Morby’s community—more doors, better partnerships, and bigger goals like 40,000 affordable beds, 1,000 sober living residents, and Mount Everest-level missions. Edgar also breaks down how to join Subto with a partner through an LLC to effectively cut the cost in half, and how to plug into the ecosystem the right way as a true go-giver. CHAPTERS00:00 Why I made this episode about Subto01:15 What Subto really is (beyond a “mentorship”)03:10 Members on go-giver culture, community and accountability06:00 First creative finance deals, Gator wins & life changes09:20 How investors use Subto to buy more doors in any market12:40 Owners Club, Mount Everest goals & bigger impact missions16:30 How to join Subto (including partner/LLC hack)19:30 Is Subto worth it and who it’s really for Connect with Edgar:Website: edgartheconnector.comInstagram: @EdgarTheConnector Follow Dream Start Own, rate this episode, and share it with someone who’s on the fence about joining Subto, Gator, or any high-level community so they can hear directly from real members doing real deals. Sleep better, dream bigger!Affiliate link: Eight Sleephttps://refer.eight.sl/edgardsalgado ► Join The Subto Community for Life & Learn Creative Finance from ⁨@PaceMorby⁩https://join.nre.ai/mQ9T9vZ ► Learn How to Make Money on Other People’s Deals with the Gator Methodhttps://join.nre.ai/mQBDJK5 ► Get the tools I use for productivityhttps://linktr.ee/EdgartheConnector 🚧🚧🚧 DISCLAIMER 🚧🚧🚧We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated

    10 min

  3. FEB 10

    The Truth Sellers Never Hear About Realtor Fees & FSBO | Tim Street’s Foolproof Home Sale Blueprint

    In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with former top-producing agent and investor Tim Street to expose the truth sellers never hear about realtor fees, for sale by owner (FSBO), and what really determines the value of your home. Tim breaks down why 90% of FSBO attempts fail and why the “successful” ones still make about 11% less than agent-listed homes—and then shows how to flip those stats on their head with a step-by-step blueprint, pre-inspections, pro photos, smart staging, and a bulletproof appraisal-gap package. You’ll learn who should never sell by owner, who absolutely should, how to price so you attract multiple offers (not crickets), and how to engineer showings that create real FOMO and bidding wars—without ever lying, overhyping, or getting sued over bad paperwork. CHAPTERS00:00 The truth about who really decides your home’s value03:34 Meet Tim Street & why agents hate this conversation07:25 Why 90% of FSBOs fail (and the 11% pay cut)13:40 Who should never sell by owner vs who should18:20 Pricing strategy & why overpricing destroys momentum25:05 Appraisal gaps & the “love letter” to your house31:30 Pre-inspections, title companies & avoiding lawsuits38:00 Photos, staging & hotel-style bathrooms that sell45:00 How to run showings and engineer bidding wars52:10 Evaluating offers: price, terms, contingencies & risk59:10 Tim’s 7-day FSBO action plan1:06:20 The quiz, bold guarantee & investor power pack1:12:40 Biggest mindset shifts for smart home sellers Connect with Tim:Website & FSBO resources: foolprooffsbo.comInvestor Power Pack & 7-Day FSBO guide: foolprooffsbo.com/investors Connect with Edgar:Website: edgartheconnector.comInstagram: @EdgarTheConnector Follow Dream Start Own, rate this episode, and share it with a home seller, agent, or investor who wants to keep more equity, avoid rookie mistakes, and finally understand how to sell a house the smart way—with or without an agent. Sleep better, dream bigger!Affiliate link: Eight Sleephttps://refer.eight.sl/edgardsalgado ► Join The Subto Community for Life & Learn Creative Finance from ⁨@PaceMorby⁩https://join.nre.ai/mQ9T9vZ ► Learn How to Make Money on Other People’s Deals with the Gator Methodhttps://join.nre.ai/mQBDJK5 ► Get the tools I use for productivityhttps://linktr.ee/EdgartheConnector 🚧🚧🚧 DISCLAIMER 🚧🚧🚧We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated

    1h 34m

  4. FEB 5

    Money Is Just a Tool | Badass Lender Jenn Billet on Credit, Creative Loans & Land Deals

    Money Is Just a Tool | Badass Lender Jenn Billet on Credit, Creative Loans & Land Deals In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with licensed lender and investor Jennifer “Badass Boss Jenn” Billet to talk money mindset, fixing credit fast, creative loans for self-employed borrowers, and why “money only has the power you give it.” Jenn shares how she became the go-to lender for people other banks said “no” to—and how she now helps investors structure smarter loans, use private money, and tap non-QM and DSCR products to scale their real estate portfolios. She also breaks down her new passion project: Badass Creative Land Development—finding off-market land, getting entitlements, and partnering with builders to create obtainable housing, co-living projects, car washes, ADUs, and more across the West Coast. If you’ve ever been scared of your credit score, a loan application, or asking for private money, this episode will change how you see money forever. CHAPTERS00:00 Money mindset: “Money only has the power you give it”02:00 Community, Subto and the power of go-givers06:00 How “Badass Boss Jenn” was born and saving denied loans10:45 Losing money, learning lessons and why money is fake like Willy Wonka13:30 What makes Jenn different from typical lenders (licensed, underwriter-trained, investor)19:40 Building a team, SOPs and using AI in lending23:00 Biggest mistakes borrowers make and why you should “just try”26:30 How rates really work and why you should shop lenders30:40 Retail vs bank vs broker, non-QM & DSCR for self-employed borrowers32:50 Appraisals, realistic ARVs and why some deals won’t finance35:00 Co-living explained and why the U.S. desperately needs more of it38:00 Launching Badass Creative Land Development and obtainable housing44:00 How to bird-dog land, send leads and get paid51:40 Who Jenn is hiring and the operators she needs on her team54:20 Advice for aspiring loan officers and entrepreneurs Connect with Jenn:Website (loans, calendar & land buy box): BadassBossJenn.comEmail: jenn@badassbossjenn.comBrand: Badass Creative Land Development (monthly Zooms & updates via her site/socials) Connect with Edgar:Website: edgartheconnector.comInstagram: @EdgarTheConnector Follow Dream Start Own, rate this episode, and share it with someone who needs a new money mindset, a badass lender in their corner, or a way to get started with creative loans, private money and land deals. Sleep better, dream bigger!Affiliate link: Eight Sleephttps://refer.eight.sl/edgardsalgado ► Join The Subto Community for Life & Learn Creative Finance from ⁨@PaceMorby⁩https://join.nre.ai/mQ9T9vZ ► Learn How to Make Money on Other People’s Deals with the Gator Methodhttps://join.nre.ai/mQBDJK5 ► Get the tools I use for productivityhttps://linktr.ee/EdgartheConnector 🚧🚧🚧 DISCLAIMER 🚧🚧🚧We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated

    57 min

  5. FEB 3

    Mindset Changes Everything | Derby Perez on Visualization, Hotels & 300+ Flips

    In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with veteran investor and closer Derby Perez to unpack how mindset, visualization, and the right rooms took him from hustling in real estate since 1985 to 300+ fix and flips, 1,800 home sales, 89 rentals, and big commercial deals—including a historic $11M hotel project. Derby shares how he used goal-setting, journaling, and mentors like Tony Robbins, Robert Kiyosaki, Zig Ziglar, and Pace Morby to completely change his income ceiling, rebuild after losing it all, and design a life where he works from his laptop, travels, and now focuses on cash-flowing real estate, sober living, and VA housing with partners. He also breaks down why “who you hang around” is everything and how to upgrade your environment, not just your tactics. CHAPTERS00:00 Intro & who is Derby Perez02:00 The $11M historic hotel deal that fell through (and why it was a blessing)07:30 Using ChatGPT, SBA loans & federal grants to underwrite big projects11:50 Derby’s real estate journey: 300+ flips, 1,800 homes sold & 89 units18:00 From real estate burnout to high-ticket phone sales & laptop lifestyle in Brazil24:00 Vision boards, journaling goals & how he manifested the Rolex, boat & Porsche30:30 Bankruptcy, “debt free,” and the power of writing things down33:30 Mindset, mentors & investing in yourself (Tony Robbins, Kiyosaki’s Cashflow Quadrant, Landmark)39:30 Breaking generational patterns & choosing the right friends and rooms44:30 Sober living, VA living & buying 30–100 single-family homes in the Midwest49:30 Where Derby’s income comes from today & how to work and partner with him52:30 Final advice on belief, manifestation & getting back up after setbacks Connect with Derby:Facebook: Derby PerezInstagram: @derbyperezBuy box & deals: DerbysBuyBox.com (check his socials for the latest link) Connect with Edgar:Website: edgartheconnector.comInstagram: @EdgarTheConnector Follow Dream Start Own, rate this episode, and share it with someone who needs a mindset reset, wants to break out of the W2 path, or is ready to use belief and better rooms to transform their real estate journey. Sleep better, dream bigger!Affiliate link: Eight Sleephttps://refer.eight.sl/edgardsalgado ► Join The Subto Community for Life & Learn Creative Finance from ⁨@PaceMorby⁩https://join.nre.ai/mQ9T9vZ ► Learn How to Make Money on Other People’s Deals with the Gator Methodhttps://join.nre.ai/mQBDJK5 ► Get the tools I use for productivityhttps://linktr.ee/EdgartheConnector 🚧🚧🚧 DISCLAIMER 🚧🚧🚧We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated

    57 min

  6. JAN 29

    From Shy to Scaling: Kyle Karges on Co-Living, Fix & Flips and Creative Finance

    In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with Phoenix investor Kyle Karges to unpack how he went from a shy, head-down introvert to a highly connected leader in Subto and the Owners Club—scaling fix and flips, co-living, and multifamily across multiple markets. Kyle shares how 18 years in real estate changed once he finally started networking, joining communities, and focusing on “who, not what.” Today he runs an acquisition company, a fix-and-flip business, and a fast-growing co-living portfolio in Phoenix and Atlanta, funding deals with creative finance and private money. CHAPTERS00:00 Intro and who is Kyle Cargus03:15 From shy and quiet to real estate investor09:40 Joining Subto, Owners Club and learning to network17:20 Building an acquisitions machine and buying 5–6 houses a month24:55 Co-living, Padsplit-style rentals and affordable housing33:10 Funding deals with private money and creative finance42:30 Advice for introverts and why “who not how” changes everything Connect with Kyle:Instagram: @kylecargusBuy box & deals: carguscap.com/buyboxWeekly co-living Zoom (open to all): kyleandcarl.com Connect with Edgar:Website: edgartheconnector.comInstagram: @EdgarTheConnector Follow Dream Start Own, rate this episode, and share it with someone who’s introverted, stuck, or ready to scale faster through community, creative finance, and smarter partnerships. Sleep better, dream bigger!Affiliate link: Eight Sleephttps://refer.eight.sl/edgardsalgado 🔌 PLUG IN & SUBSCRIBE 🔌Instagram: / @edgartheconnectorTikTok: / @edgarsrei ► Join The Subto Community for Life & Learn Creative Finance from ⁨@PaceMorby⁩https://join.nre.ai/mQ9T9vZ ► Learn How to Make Money on Other People’s Deals with the Gator Methodhttps://join.nre.ai/mQBDJK5 ► Get the tools I use for productivityhttps://linktr.ee/EdgartheConnector 🚧🚧🚧 DISCLAIMER 🚧🚧🚧We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated

    56 min

  7. JAN 27

    Creative Finance Changed Everything: Philip Warrick on Subject-To, Airbnbs & Private Money

    In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with 23-year real estate veteran Philip Warrick to break down how creative finance, subject-to deals, lease options, and Airbnbs helped him leave the family sign business and become a full-time investor in Houston. Philip shares how a late-night Carlton Sheets infomercial, growing up as a missionary kid in Brazil, and losing his dad at 20 pushed him into entrepreneurship early—and why getting into the right rooms, with the right mentors, changed everything. Today he runs a diverse portfolio of flips, rentals, Airbnbs, wraps, and lease options while coaching investors and partnering with private money lenders on deals. CHAPTERS00:00 Intro & who is Philip Warrick01:10 Early interest in real estate & Carlton Sheets “no money down”02:40 Growing up in Brazil, missionary family & entrepreneurship04:40 Losing his dad, buying the family sign business & stepping up07:50 First creative deals and first subject-to in 200311:30 Real estate clubs, mentors and the power of the “right rooms”17:00 Coaching, creative finance and Monday “Power Call” Zooms19:40 Building a big team, 30+ Airbnbs and operations23:30 Fix & flip + Airbnb strategy and short-term vs long-term taxes29:00 MakeTheMoveNow: lease options, wraps and helping non-bankable buyers33:00 Private money, partnerships & how to work with Philip Connect with Philip:Website (coaching, Zooms & deals): philipwarrick.comLease option & owner-finance homes: makethemovenow.comDirect booking site for Airbnbs: epicpropertypros.com Connect with Edgar:Website: edgartheconnector.comInstagram: @EdgarTheConnector Follow Dream Start Own, rate this episode, and share it with someone who wants to use creative finance, private money, and Airbnbs to get out of the rat race and into true ownership. Sleep better, dream bigger!Affiliate link: Eight Sleep⁠https://refer.eight.sl/edgardsalgado⁠ ► Join The Subto Community for Life & Learn Creative Finance from ⁨@PaceMorby⁩⁠https://join.nre.ai/mQ9T9vZ⁠ ► Learn How to Make Money on Other People’s Deals with the Gator Method⁠https://join.nre.ai/mQBDJK5⁠ ► Get the tools I use for productivity⁠https://linktr.ee/EdgartheConnector⁠ 🚧🚧🚧 DISCLAIMER 🚧🚧🚧We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated

    37 min

  8. JAN 22

    Julian Rizov: Smart DSCR, Construction Loans & “Don’t Pay For What You Can’t Use”

    In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with lender, builder, and fund manager Julian Rizov of DealFunding360 to break down DSCR loans, hard money, construction financing, and how to avoid paying for money you can’t actually use. Julian shares how he went from doing 250+ fix and flips to building new construction in Atlanta, creating co-living, Airbnb, and midterm rentals, and launching a $3M equity fund that lets investors participate in multiple ground-up and value-add projects—without swinging a hammer. You’ll learn: How DSCR loans really work for rentals, co-living, and STRs The credit score thresholds (660, 700+) that change your rates, leverage, and terms When and how to convert a DSCR / investor loan into a primary residence conventional loan Why Julian says “Don’t pay for what you can’t use” on construction loans Non-Dutch vs Dutch interest (and how the wrong structure can kill your profit) How to structure partnerships and operating agreements so low-credit partners don’t tank your loan Why he prefers buying land in cash or private money, then stacking a construction loan How his fund blends institutional capital with investor money for higher cash-on-cash returns Connect with Julian:Deals & land leads: deals@jvpv.comFund info: julian@dealfunding360.com Connect with Edgar:Website: edgartheconnector.comInstagram: @EdgarTheConnector Follow Dream Start Own, rate this episode, and share it with investors, builders, and private lenders who want smarter DSCR loans, better construction terms, and safer returns on their capital. Sleep better, dream bigger!Affiliate link: Eight Sleephttps://refer.eight.sl/edgardsalgado 🔌 PLUG IN & SUBSCRIBE 🔌Instagram: / @edgartheconnector ► Join The Subto Community for Life & Learn Creative Finance from @PaceMorbyhttps://join.nre.ai/mQ9T9vZ ► Learn How to Make Money on Other People’s Deals with the Gator Methodhttps://join.nre.ai/mQBDJK5 ► Get the tools I use for productivityhttps://linktr.ee/EdgartheConnector 🚧🚧🚧 DISCLAIMER 🚧🚧🚧We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated.

    47 min
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About

Join us for casual, inspiring conversations with other entrepreneurs, real estate investors, and business owners as they share their journeys from dreams to starting to owning their time. Learn from their challenges, triumphs, and insights as they carve their own paths to success. Whether you're just dreaming or looking to grow your business, this podcast will fuel your ambition and help you take ownership of your time and future.

Information

  • Creator
    EdgartheConnector
  • Years Active
    2025 - 2026
  • Episodes
    55
  • Rating
    Clean
  • Copyright
    © EdgartheConnector